{"id":1071,"date":"2023-05-09T22:33:41","date_gmt":"2023-05-09T22:33:41","guid":{"rendered":"https:\/\/pikiranaceh.com\/index.php\/2023\/05\/09\/bank-bsi-error-ini-pendapat-ekonom-aceh\/"},"modified":"2023-05-09T22:33:41","modified_gmt":"2023-05-09T22:33:41","slug":"bank-bsi-error-ini-pendapat-ekonom-aceh","status":"publish","type":"post","link":"https:\/\/pikiranaceh.com\/index.php\/2023\/05\/09\/bank-bsi-error-ini-pendapat-ekonom-aceh\/","title":{"rendered":"Bank BSI Error, Ini Pendapat Ekonom Aceh"},"content":{"rendered":"<p style=\"text-align: justify;\"> <!--img1--> <\/p>\n<p style=\"text-align: justify;\"><strong><a href=\"https:\/\/editor.pikiran-rakyat.com\/pr-aceh\/add\/Pikiranaceh.com\">PIKIRANACEH.COM<\/a> | DAERAH<\/strong> &#8211; Nasabah Bank Syariah Indonesia (BSI) di Provinsi Aceh, mengeluh akibat M-banking dan mesin Automatic Teller Machine (ATM) tidak dapat digunakan alias error.&nbsp;<\/p>\n<p style=\"text-align: justify;\">Padahal, Bank Syariah tersebut merupakan akses transaksi warga di Aceh.<\/p>\n<p style=\"text-align: justify;\">Pantauan pikiranaceh.com, keluhan yang disampaikan warga akibat M-banking dan mesin ATM error tersebut di platform media sosial instagram dan medsos lainya<\/p>\n<p style=\"text-align: justify;\">Dalam sebuah postingan yang diunggah oleh akun tersebut, terdapat tulisan &#8220;Permintaan Tidak Dapat Diproses (-1003)&#8221;.<\/p>\n<p style=\"text-align: justify;\">Bahkan, terlihat mesin ATM BSI juga tidak dapat digunakan, ada juga pengguna lainnya yang mengaku tidak bisa melanjutkan transaksi di dalam aplikasi.<\/p>\n<p style=\"text-align: justify;\"><strong>Apa Kata Pakar Ekonomi ?<\/strong><\/p>\n<p style=\"text-align: justify;\">Dr Abd Jamal dalam ekonom Aceh turut menyikapi problematika maintanance sistem Bank Syariah Indonesia serta dampak ekonomi terhadap Aceh.<\/p>\n<p style=\"text-align: justify;\">Dalam konsep mikroekonomi Dr Abd Jamal menjelaskan, dalam mikro ekonomi ada istilah pasar persaingan sempurna dan tidak sempurna (monopoli, persaingan monopolistik, dan oligopoli).<\/p>\n<p style=\"text-align: justify;\">Di sini kita lihat persaingan tidak sempurna saja.&nbsp;<\/p>\n<p style=\"text-align: justify;\">Dalam persaingan monopolistik, kita masih bisa memilih.&nbsp;<\/p>\n<p style=\"text-align: justify;\">Hanya saja kita mau klasifikasi mana, spesifikasi-nya seperti apa. Artinya, produknya terdiferensiasi. Pasarnya jelas, siapa memilih apa.&nbsp;<\/p>\n<p style=\"text-align: justify;\">Mereka masih bersaing untuk kategori (spesifikasi tertentu, seperti kualitas dsb). Masing-masing perusahaan bercirikan monopoli, seperti monopoli merek tertentu.<\/p>\n<p style=\"text-align: justify;\">Ketika hanya ada beberapa perusahaan (oligopoli), hanya ada segelintir pemain di pasar, sehingga seringkali mereka dapat berkolaborasi atau berkonspirasi dalam menentukan harga atau pelayanan.&nbsp;<\/p>\n<p style=\"text-align: justify;\">Walaupun masyarakat masih bisa memilih, tapi sudah mulai adanya hambatan-hambatan, misal, HP merek X kamera bagus, tapi RAM kecil, sedangkan HP merek Y RAM besar kamera kurang bagus. Secara umum mereka memiliki kualitas yang mirip. Tinggal yang utama apa yang dibutuhkan.<\/p>\n<p style=\"text-align: justify;\">Akan tetapi, ketika monopoli muncul, maka masyarakat tidak punya pilihan. Apapun yang disuguhkan, masyarakat wajib menerimanya.<\/p>\n<p style=\"text-align: justify;\">Berbicara terkait pelayanan perbankan. Saat ini kalau boleh dikatakan di Aceh terjadinya monopoli. Kalaupun ada bank lain, mereka tidak dominan. Kita tidak punya pilihan. Mungkin beberapa orang yang memiliki rekening di bank lain.<\/p>\n<p style=\"text-align: justify;\">Dalam era teknologi sekarang, banyak masyarakat yang sudah percaya dengan sistem digital, sehingga sudah jarang melihat uang secara fisik. Berbelanja hanya membawa HP atau Kartu. Ketika sistem perbankan &#8216;down&#8217;, secara total, baik digital maupun kartu tidak bisa digunakan, maka ekonomi jadi macet.<\/p>\n<p style=\"text-align: justify;\">Bayangkan, bila ada satu juta orang saja yang melakukan transaksi masing-masing 100.000 rupiah, maka totalnya menjadi 100 miliar. Sungguh ini kerugian ekonomi yang sangat besar.&nbsp;<\/p>\n<p style=\"text-align: justify;\">Belum lagi kita memperhitungkan perputarannya, berapa kali berputar dalam satu hari.&nbsp;<\/p>\n<p style=\"text-align: justify;\">Multiplier effect-nya akan menentukan berapa besarnya pertambahan pendapatan daerah.&nbsp;<\/p>\n<p style=\"text-align: justify;\">Kalau kondisi seperti ini sering berulang, maka ekonomi daerah akan macet. Bagaimana kita ingin meningkatkan kesejahteraan, kalau perputaran uang tidak jalan.&nbsp;<\/p>\n<p style=\"text-align: justify;\">Kesejahteraan daerah dapat ditingkatkan bila ada dua hal, yaitu adanya money inflows dan transfer payement yang positif. Untuk memperlancar money inflows, sistem perbankan tidak boleh macet.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>PIKIRANACEH.COM | DAERAH &#8211; Nasabah Bank Syariah Indonesia&#8230;<\/p>\n","protected":false},"author":1,"featured_media":1072,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[962,961,960,894,107,959],"newstopic":[],"class_list":["post-1071","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politik","tag-bank-bsi","tag-bank-syariah","tag-ekonomi","tag-error","tag-indonesia","tag-monopoli"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bank BSI Error, Ini Pendapat Ekonom Aceh - PIKIRAN ACEH<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pikiranaceh.com\/index.php\/2023\/05\/09\/bank-bsi-error-ini-pendapat-ekonom-aceh\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bank BSI Error, Ini Pendapat Ekonom Aceh - 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